All One Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (9.4). Weak liquidity 2.1, driven by a liquidity ratio of 6.6 percent and a “hot money” ratio of 22.1 percent.
Asset Mix:
Home mtgs (26%), consumer loans (20%), other (54%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
20 Adams Street
Leominster, MA 01453
Leominster, MA 01453
Phone Number
(978) 537-8021
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
Rockland, MA
Chelsea, MA
Littleton, MA
Leominster, MA